Jump to content


  • Posts

  • Joined

  • Last visited

Everything posted by JTsdaddy

  1. I have a collection letter from a place called Greneral revenue about ohio taxes due from years ago.. when this first happened I call stat of ohio and paid that day .. now this company send 2 letters first about 2 years ago. second today. in the letter it states "collection cost are included in total amount due". I DV'd them but never recieved a response, I dont have records as this was before I had a little knowlede.. How should I proceed . I didnt think they could charge to collect ? Also The return addess listed on the mail I got is : STATE OF OHIO OFFICE OF THE ATTORNEY GENERAL PO BOX 165050 COLUMBUS OHIO 43216-5050
  2. CRA 666 devils drive hell undergound , everywhere DATE Certified mailxxxxxxxxxxxxxxxxxxxx AccountXxxxxxxxxxxxxxxxxxxxxxx Joe Schmoe 123 1st main St Anywhere, state USA To whom this may concern I recently reviewed my credit report and found and error id like to dispute underthe fair credit reporting act it is in referance to account numberxxxxxxxxxxin the amount of $xxxxthis is not my account and I dispte the said account please review this Error and remove it from my report as it is not mine Thanks Joe Schmoe ALSO MAKE SURE YOU CHANGE THE FONT SIZE TO REDUCE IT A LITTLE.. DONT WANNA MAKE IT TO CLEAR SO THE COMPUTER CAN PICK IT UP.. NO BOLDS NO CAPTIALS. NO PERIODS
  3. I have had good success with this 3 entries deleted within days of sending letter. 1st get some Fancy background paper. I used American flag paper from That MAX place. with all the office supplies. 2 Use Script writing. no spaces between paragraph make sure int bunched up . 3 Use the lightest font color you can without making NON readable with the human eye. 4. Don't just say reference this account XXXXXXX i dispute it. this will confuse the computer and they will have to manually look up the account and manually call the CA.. I did this 3 times and had a 2 deleted ASAP the 3rd took the full 30 days.
  4. the 30 days were up on the 4th of dec. can I now DV the CA with a new letter.. do they have to respond
  5. I sent a dispute to the CRA- equifax Thay did not respond within the 30 day time frame, but the CA sent a dunning letter. I havent heard from the ca in almost 2 years how should I handle this ?
  6. they wont sign a letter cause they wont delete it from your CR upon payment. They are trying to convince you to pay... All they want is their money they dont give a hoot about your CR
  7. Make sure to DV them. But If I am coerrect if it is over 7 yrs old they can not report it. but they may be able to sue
  8. Can a collection Agency report like this Reporting a purchased Junk Debt as an Installment account. Asset is reporting a debt like this
  9. where would you start Old address / Name varations ? Inquries ?
  10. Once you deal with these items, then I’d say you can work on the inquires. Or if your credit report is fairly clean, but you have a ton of inquiries (more than 10), then I’d say a little effort towards removing them is a good idea.
  11. I don't know where to begin Multiple mutiple Medical collections. 1 CC charge off HSBC 2 Judgments Paid Sky bank mortage lates (bank closed) . 45 Inquries Total. all 3 CRA ????? (She dont Apply for credit cause, she dont have it ) I think I should start by disputing all Old addresses. then move to quash the 22 Inquries from a used car place.
  12. I only have a 5 late pays on 2 CC. in the last 2 yrs And 2 Medical collection Accounts total on both of 130. And a 13 BK that wont get removed Besides Id like to get some inquries off my report that I didnt authorize
  13. I have read th threads most of the Afternoon. I Tried The EQ method for 2. Is this a good letter.. Dear CRA, I have recently reviewed my CR and found several attempts to gain credit in my name . Since I personally know that I wouldn't qualify for a loan, I suspect my ID may have been compromised. Please remove the following inq**** that I didn't authorize. Respectfully John B goode ABC credit def credit ghi Credit jkl credit
  14. I disputed my Repossession as not included in BK from experian. Condition did read closed (paid) .. They changed it to derogatory I lost 15 pts. wage earner plan
  15. Orchard's reporting time is confusing . I noticied the lates are reported 1 month late . example Jan late ( reported as feb ) April late (reported as may) So how would I go about this. leave it go because there reporting time varies or fight them all the way
  16. I had the same problem.. Are you sure you owe the debt. Because when I had the this problem I owed 116.00 to the state of ohio , they called my PT employeer and wanted to Garnish my wages. I Called them ASAP and asked them what was going on. They took the payment over the phone.. no problems 3 years later I get a CN from this diversified collection services. I belive they are in OHIO.. Anyway she says we are collecting 26.85 on behalf of the state of ohio . I said Bull Sh!t.. I paid the state of Ohio 3 years ago.. well these are for our collection services. Im not paying that.. You have to... Do you have a repciet... Yes I do.. Can you send it to Us ?? .... Nope... Ill send a copy. Our address is ....... Hold on.. send me a prepaid self addressed stamped envelope. and you will recieve a copy of the repciet I have not heard anything since.. that was over 6 months ago
  17. Orchard bank is reporting that I was 30 days late in may, which in fact It was 30 days in april.. If I send the repciet9 Statements) to the CRA, showing that may in fact wansnt 30 days late (only 9 days late) and paid sorta on time will they Update it or take the time to verify it. Can orchard change it to april without notifying me Since Orchard is reporting The lates incorrectly (wrong date)... this a violation how should I proceed . The bank has denied my home loan for two 30 day lates both are being reported incorrectly When I disputed My Child support I sent documents that showd I had been paying on time and they deleted in 3 days without checking
  18. My scores were just about 600.. 3% down with a Bk 13 National city mortage
  19. Since ive been here I got some great information. I was able to raise my score from the low 4's to the mid 6's.. I now am getting a home loan in all goes well.. When moving how will it look on obtaing new credit. I will be in the home a short time, not the current 6 years will this hurt me
  20. Which may or may not have helpd my new HOME loan.. But Hell Im getting a NEW home.. They normally dont report till about the 15th if at all.. So It worked.
  • Create New...